Car Insurance Third Party Driving Other Vehicles

For example if a friend or family member has had an accident and needs you to drive them to the hospital. How is driving other cars different to adding a temporary driver. It used to be the case that cover for driving other cars doc was included by most insurers on comprehensive car insurance policies.

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This meant it was legal to drive another car without being a named driver but that you could be liable for the full cost of any damage to the vehicle.

Car insurance third party driving other vehicles. Cars cover from your first car. If you have an accident the policy will only cover damage to the other car. In the past most comprehensive car insurance policies included driving other cars doc giving drivers third party policy protection when driving other people s cars with their permission. Third party insurance is the most basic form of driving cover in the uk.

Driving other cars cover is usually only available on a comprehensive car insurance policy. Also a driving other cars extension only ever applies to the proposer on the. You ll need to check the terms and conditions of your comprehensive car insurance to see if you ve got doc cover and what that includes. It s the lowest level of cover third party only.

The driving other cars extension is also not exclusive to comprehensive motor insurance policies and it can dependent on the insurance company be offered on third party fire theft policies and third party only. Insurance to drive other cars doc cover used to be a standard feature of comprehensive insurance policies but it s rare these days. Doc cover is cover for driving other cars doc. Driving other cars extension is normally limited to third party only cover which means the insurance company will only cover claims made against you by other drivers.

Driving other cars cover is an add on. Traditionally this was a standard fixture on many fully comprehensive insurance policies and gave drivers third party only cover for driving other vehicles providing that you are fully comp on your own car and that you have the owner s permission. Typically this gave you third party cover to drive cars not. If your policy includes cover for driving other cars it will be shown under section 5 of your certificate of motor insurance and will mean 1 st central will provide third party only cover for any accident involving the car while you re driving it.

It also means that if you borrow your friend s car and crash damage to the car will not be covered. If you have third party. Comprehensive insurance and driving other cars. Doc is there for emergencies.

If you have third party insurance you are covered if you cause damage to someone else s property injure them or injure your passengers whilst you are driving. Third party car insurance is the minimum legal level of cover needed to drive a vehicle.